Data Analyst, Credit Risk

| New York, NY, USA | Hybrid
Employer Provided Salary: 130,000-175,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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Data Analyst, Credit Risk 

At Current, we’re on a mission to enable our members to create better financial outcomes for themselves. Headquartered in NYC, we’re a leading U.S. fintech and one of the fastest growing companies with over million members. No matter your title, we welcome everyone to build great products, grow quickly, and make an impact together.


We are seeking a strong Data Analyst with a specialization in Credit Risk. This role blends expertise in data analytics with a deep understanding of credit risk and liquidity products. Based in our NYC headquarters, you will be instrumental in leveraging data to enhance our credit risk management frameworks and drive informed decision-making.


  • Develop and maintain data-driven credit risk management frameworks for credit and lending products, including secured credit cards, liquidity products, and future credit offerings.
  • Construct and optimize credit risk models throughout the credit lifecycle to achieve target risk-adjusted returns.
  • Collaborate with internal stakeholders to write and refine credit policies/rules and procedures.
  • Utilize internal, third-party, and credit bureau data to conduct in-depth analyses, identify gaps, mitigate losses, and support product growth.
  • Drive data modeling requirements for analytics and data engineers.
  • Build modular data models and dashboards in Looker for efficient and self-serve data analysis for the Banking team.
  • Explore and build high value datasets to build credit reporting to generate actionable insights and uncover opportunities for the Credit/Banking team to succeed.
  • Develop and own ongoing processes and reporting mechanisms for existing lending and liquidity products.
  • Partner with Product and Engineering teams to validate and deploy rules and policies effectively.


  • Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Computer Science.
  • 3+ years of experience in data analytics focusing on credit risk management, preferably with consumer credit cards, Buy Now Pay Later (BNPL) products, or unsecured consumer loans.
  • 2+ years of experience building data models, reports and dashboards in BI tools
  • You are a SQL expert, used to working with complex data sets; converting business problems into SQL is something that comes with ease to you.
  • Expertise in defining and building meaningful metrics and KPIs.
  • Intermediate-level expertise in Python.
  • Prior experience building risk policies, models, rules, and strategies for credit and lending products.
  • Detailed knowledge of credit bureau data, bank statement transaction data, or alternative credit data providers.
  • Experience within the startup space is advantageous.
  • Strong communication, collaboration, and problem-solving skills.
  • Familiarity with statistical analytics and building ML models.
  • Excellent communication, requirement gathering and prioritization skills.

Additional Skills and Qualifications:

  • Experience with Looker or other business intelligence tools is preferred.
  • Exposure to dimensional modeling concepts to power meaningful analytics.
  • Ability to visualize data effectively and communicate insights clearly.
  • Experience modeling data using dbt.
  • Experience working with Fintech, banks or a B2C company.

This role has a base salary range of $130,000 - $175,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits. 


  • Competitive salary 
  • Stock options 
  • 401(k) savings plan 
  • Discretionary performance bonus program 
  • Biannual performance reviews
  • Medical, Dental and Vision premiums covered at 100% for you and your dependents 
  • Unlimited time off and paid holidays 
  • Generous parental leave policy
  • Commuter benefits 
  • Healthcare and Dependent care FSA benefit 
  • Employee Assistance Programs focused on mental health 
  • Healthcare advocacy program for all employees 
  • Access to mental health apps 
  • Team building activities
  • Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches
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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
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Our modern, open floor plan office is located in the heart of Chelsea with an abundance of bars and restaurants. We are minutes away from various trains and bus stops for a convenient commute.

An Insider's view of Current

How does your team reward individual success?

The Engineering team actively and immediately shares our individual successes across our slack channels, telling everyone what we did and the impact we had via data. I find it refreshing and really cool that we are able to measure the success of our initiatives with data that is accessible to everyone.


Software Engineer

What projects are you most excited about?

My team and I work to ensure that critical components of our existing infrastructure are well-tested, reliable, and scalable. But on top of that, we get the fun job of building out new infrastructure. It’s this forward-looking aspect that is especially exciting to me, because it opens up new paths for Current as we continue to expand.


Software Engineer

How do your team's ideas influence the company's direction?

One of the best aspects of Member Experience at Current is that we don’t just serve members when they need help, but also bring their feedback to the broader team. This allows us to hear from actual people using Current and understand their needs, enabling us to build products that improve their lives.


Director of Member Experience

What’s the vibe like in the office?

The vibe in our office is very relaxed and friendly. It’s not your typical suit and tie environment. I enjoy the open style that we have because it works well with our collaborative approach to get things done efficiently while inviting casual conversations with my teammates.


Disputes Specialist

What are Current Perks + Benefits

Current Benefits Overview

Here at Current, we offer competitive salaries, stock options, as well as a discretionary bonus program. Medical, Dental and Vision monthly premiums are covered for you and your dependents so there are no monthly costs. In addition to a flexible time off policy, we also offer Healthcare and Dependent care FSA benefits and commuter benefits.

We strive to build close and cohesive teams with company retreats and work together at our modern Chelsea-based office with an open floor plan, stocked kitchen, and catered lunches!

Open door policy
OKR operational model
Team based strategic planning
Open office floor plan
Highly diverse management team
Mandated unconscious bias training
Health Insurance + Wellness
Flexible Spending Account (FSA)
Dental insurance
Vision insurance
Health insurance
Mental health benefits
Financial & Retirement
Company equity
Performance bonus
Child Care & Parental Leave
Generous parental leave
Vacation + Time Off
Unlimited vacation policy
Paid holidays
Office Perks
Commuter benefits
Company-sponsored outings
Free snacks and drinks
Some meals provided
Professional Development
Promote from within

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